As wealth grows,
so does the
impact of tax.

Tax plays a part in every individual aspect of your financial picture - so why is it an afterthought when it comes to your financial strategy?

Increasingly over time, tax can diminish the value of every dollar you earn, save and give away. For this reason, our focus is to integrate tax strategy not only into your investment plan, but into all aspects of your wealth.

The intended results

Enhance the value of your investments while managing risk

Preserve more of your wealth through transitions and through retirement

How much could you save with a tax-oriented wealth plan?

10 Advantages of a Tax-Efficient Wealth Plan

Reducing tax liability in your portfolio means that you have the potential to increase what you earn while managing risk.

Accumulate Retirement Savings More Quickly

There are lots of ways to build your wealth for retirement, and there are lots of ways to save on tax while you do it. Over the long term, these savings can amplify the growth you achieve.

Make the Most of Your Social Security

Between new and old rules, questions of timing and tax, finding an efficient way to claim your social security can have a substantial impact on your retirement income.

Access Wealth in Your Business More Easily

The laws are changing all the time - it pays to have an up-to-date strategy for the structure of your business, tax shelters and income tax rates that correspond to it.

Retain More Wealth from the Sale of Your Business

The sale and succession of a business is essentially a transfer of wealth that has a massive impact on your post-sale finances. Defining an effective tax strategy beforehand can result in more of your wealth being allocated to your retirement funds and other ventures.

Exceed Your Philanthropic Targets

By understanding and leveraging the tax opportunities related to charitable donations, and exploring advanced strategies such as insurance policy gifting, you can increase the level of support you’re able to provide.

Improve Your Retirement Cash Flow

By identifying ways to mitigate the total income tax and capital gains tax you’re paying in retirement, and introducing ways to maximize tax-free income, you can find an optimal balance between cash flow and preservation.

Align Goals and Strategies

A tax-efficient wealth plan also entails clear communication with your accountant, tax and estate lawyer, and other related professional. This helps ensure that the various strategies in place are complimenting one another.

Pass More of Your Wealth to Children

When you transition wealth from one generation to the next, whether through an estate plan or as part of a living legacy, being tax-conscious creates the opportunity to avoid unnecessary loss.

Allocate More of Your Wealth to Other Goals

The path to your financial and lifestyle goals can become shorter when you have tax-saving strategies running through your entire wealth plan.

If the value of a dollar can be cut in half by tax, the value of a wholly tax-efficient investment and wealth plan can be remarkably high. This is the opportunity we create for our clients.

How can you potentially earn more while managing risk? We’ll show you where the inefficiencies are in your portfolio.

Questions We Often Hear

How do the new Social Security rules affect me?

Not only are there new opportunities and complexities inherent in the most recent update to Social Security regulations, but many situations call for an understanding of both new and old rules. For instance, depending on how these rules apply to you and your spouse, delaying Social Security could lead to a lucrative outcome.Find out how we help our clients maximize their Social Security benefit

How will my incentive stock options and deferred equity factor into my retirement?

ISOs and other deferred forms of compensation can create some uncertainty in your retirement objectives. There’s no way of knowing exactly what they’ll be worth, so it’s essential to map out all the various scenarios and possibilities around company liquidity events. These scenarios then have to be balanced with the right risk-return ratio in your investments, and the projections for your income needs in retirement.Read more

How do I save on tax while giving to charity?

For us, and for many of our clients, philanthropy is an important aspect of our financial objectives, and for this reason it should be treated like any other financial goal — with dedicated strategies, timelines and integrated tax efficiency. From donations to trusts and insurance policies, there are a range of possibilities for charitable giving, each with a different tax profile.View our blog for more tips.

How do I mitigate capital gains tax?

By taking a comprehensive approach to your current and future cash flow needs, we balance your income streams to generate the highest possible tax savings. This includes the capital gains tax from your investment growth, which is mapped out according to your goal timeline and your other sources of income.Learn more about our tax-efficient investment tactics.

How can I use dividends to reduce tax liability in my business?

Distributing some of the money your business earns as dividends to yourself or your immediate family members, can help you save on tax in the same way that paying yourself a salary does. This can be done directly or through a specialized trust. The optimal balance of these strategies depends on your specific situation, and requires a comprehensive look at your cash flow.Find out how we help business owners.

What is a GRAT and how does it help me transfer wealth to my children?

A GRAT (Grantor Retained Annuity Trust) is a tax-smart way to pass proceeds from the sale of your business to your children. By transferring assets to a trust before your business is sold, in exchange for an annuity, you can transfer the appreciated value to beneficiaries without having to pay a transfer or gift tax.'View our blog for more tips.

Are my Accountant and my Investment Advisor working toward different goals?

In many cases, when you have multiple professionals providing advice on your wealth, they have very little, if any communication among themselves — but if you can create alignment between the strategies in your wealth plan and those recommended by your accountant, you open yourself up to new opportunities to build and preserve wealth.Find out how we help align your financial strategies.

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